Method and system for generating a billing record

ABSTRACT

A transaction record is received including transaction data corresponding to at least one telephone call placed by a subscriber. The transaction data is processed by a plurality of rate plans, each rate plan generating a toll amount corresponding to the telephone calls of the transaction record. The toll amounts from each of the plurality of rate plans are compared to determine a lowest toll amount. An amount x is deducted from the lowest toll amount to form a final toll amount. A billing record is generated for the subscriber based on the final toll amount.

[0001] CROSS-REFERENCE TO RELATED APPLICATIONS

[0002] This application is related to the following patent application,the subject matter of which is hereby incorporated by reference thereto:

[0003] “Method and System For Detecting a Change In a Least OneTelecommunication Service Rate Plan,” filed on ______, 1997 and havingserial number 0______.

TECHNICAL FIELD

[0004] The present invention relates to telecommunication networks, andin particular, to systems and methods for generating a subscriber'sbilling record.

BACKGROUND ART

[0005] The deregulation of the telecommunications industry has yieldedan environment where subscribers are given the choice of many longdistance carriers. With each carrier comes a different rate plan thatgoverns the cost the subscriber will pay for calls of various kinds. Inaddition, many carriers have optional calling plans that generatefurther choices. The complexity of these plans makes it difficult forconsumers to know if they are paying too much for their service.

[0006] Many prior art systems have addressed this concern by providingtelecommunications systems that routes a particular call based upon anestimate of the carrier with the lowest cost. While providing somebenefit, these systems are not readily available to all subscribers.Further the use of multiple carriers could provide a variation in thequality of the service that the subscriber receives.

BRIEF DESCRIPTION OF THE DRAWINGS

[0007] The invention is pointed out with particularity in the appendedclaims. However, other features of the invention will become apparentand the invention will be best understood by referring to the followingdetailed description in conjunction with the accompanying drawings inwhich:

[0008]FIG. 1 presents a flowchart representation of a method inaccordance with the present invention;

[0009]FIG. 2 presents a block diagram representation of a system inaccordance with the present invention;

[0010]FIG. 3 presents a block diagram representation of the operation ofa processor in accordance with one embodiment of the present invention;

[0011]FIG. 4 presents a flowchart representation of a method inaccordance with a further embodiment of the present invention;

[0012]FIG. 5 presents a flowchart representation of a method used inaccordance with an additional embodiment of the present invention;

[0013]FIG. 6 presents a flowchart of a method used in accordance withone embodiment of the present invention; and

[0014]FIG. 7 presents a block diagram representation of a system inaccordance with the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0015] The various embodiments of the present invention yield severaladvantages over the prior art. In one embodiment, the telecommunicationsystem and method of the present invention generate a billing recordbased on a plurality of rate plans. A subscriber subscribes to a singlelong distance carrier. A method and automated system are presented thatallow a subscriber's transaction record to be processed by the pluralityof rate plans corresponding to plurality of different carriers and anamount is deducted from the total of the lowest plan to insure that abilling record is generated that corresponds to an amount that is lowerthan the amount that would be billed under any of the plurality of rateplans.

[0016] In an additional embodiment, the telecommunication system andmethod of the present invention can automatically detect a change in acarrier's rate plan based on the bills generated by automated calling.This allows stored rate plan information to be updated in a timelymatter.

[0017]FIG. 1 presents a flowchart representation of a method inaccordance with the present invention. In particular, the presentinvention presents a method of generating a billing record for at leastone of the plurality of subscribers for use in a network for providingtelecommunication service to a plurality of network subscribers. Themethod begins by receiving a transaction record as shown in step 100.The transaction record includes transaction data corresponding to atleast one telephone call placed by a subscriber.

[0018] In a preferred embodiment, the transaction data corresponds to aplurality of telephone calls placed by the subscriber during a timeperiod, such as a monthly billing period. The plurality of telephonecalls include on calls for which a toll or charge is associatedincluding intra-LATA toll calls, inter-LATA toll calls and internationaltoll calls. The transaction data includes, for each of the telephonecalls, the time of day, date, duration and destination of the call.

[0019] In step 102 transaction data is processed by a plurality of rateplans, each rate plan generating a toll amount corresponding to thetelephone calls of the transaction record. In a preferred embodiment,each of the plurality of rate plans correspond to the service rates forone of a plurality of interexchange carriers that are not thesubscriber's chosen carrier. Optionally, at least one of the pluralityof rate plans correspond to a optional calling plan corresponding to oneof the interexchange carriers. In this fashion, a toll amount can beestimated that corresponds to the amount each interexchange carrier, andmoreover each optional calling plan of each interexchange carrier, wouldbill for the telephone calls in the transaction record. The rate planstructure and the service rates can be estimated based on the resultsfor a plurality of sample calls. Service rate information derived frompublicly available information can also be used, if available.

[0020] In step 104 the toll amounts from each of the plurality of rateplans are compared to determine a lowest toll amount. In step 106 anamount x is deducted from the lowest toll amount to form a final tollamount. In a preferred embodiment of the present invention, x is a valuecalculated as a percentage of the lowest toll amount. In thisembodiment, the final toll amount is therefore some predeterminedpercentage, less than 100%, of the amount that would be billed by theleast of the interexchange carriers. However, in an alternativeembodiment of the present invention, x is a constant value. In thisalternative, the final toll amount is a fixed amount less than 100%, ofthe amount that would be billed.

[0021] In step 108, the billing record is generated for the subscriberbased on the final toll amount. In a preferred embodiment, this billingrecord is transmitted to a bill generator that receives the billingrecord and formats and prints a billing statement for transmittal to thesubscriber. In this embodiment, the billing record would include thetransaction data in addition to the final toll amount. The billingrecord can further include the calculated toll amount for one or more ofthe interexchange carriers. This provides the subscriber withinformation to demonstrate the amount of savings by using the chosencarrier over the other interexchange carriers.

[0022]FIG. 2 presents a block diagram representation of a system inaccordance with the present invention. In particular, FIG. 2 presents asystem for implementing each of the methods and features described inconjunction with FIG. 1 described above. Network 122, in a preferredembodiment of the present invention, is a public switched telephonenetwork (PSTN) that provides telecommunication service to a plurality ofnetwork subscribers having respective customer premises equipment 120.

[0023] Interface unit 124, coupled to the network 122 receives atransaction record, the transaction record including transaction datacorresponding to at least one telephone call placed by at least onesubscriber. In a preferred embodiment, the PSTN generates transactionrecords in a manner that is know to those of ordinary skill in the art.Call data is recorded on tapes at the originating central office. Thesetapes are collected periodically and mailed to a tape receipt centerthat includes interface unit 124. Interface unit 124 reads the tapes andconverts the transaction records from Automated Message Accounting (AMA)or Call Detail Record (CDR) format into Electronic Message Interface(EMI) format. This process is also the subject of tape control, timecontrol and error processing procedures that insure that all of therecorded transaction records are present.

[0024] In a preferred embodiment of the present invention, thetransaction records are originally processed at a predetermined basicbilling rate and stored in a customer toll master file that is updateddaily until the end of a billing cycle. At the end of the billing cyclethese transaction records, for each customer, are transferred to theprocessor 126.

[0025] Processor 126, in communication with the interface unit 124,processes the transaction data by a plurality of rate plans, each rateplan generating a toll amount corresponding to at least one telephonecall. Processor 126 then compares the toll amounts from each of theplurality of rate plans to determine a lowest toll amount. Processor 126deducts an amount x from the lowest toll amount to form a final tollamount, and generates the billing record for at least one of a pluralityof subscribers based on the final toll amount.

[0026] In a preferred embodiment, processor 126 is implemented using anIBM mainframe computer running DB2 application software. Rate plans areimplemented in software that, for example, calculates toll amounts as afunction of: the approximate call mileage—determined from theoriginating NPA-NXX and the terminating NPA-NXX; thejurisdiction—intrastate (interLATA or intraLATA), interstate (interLATAor intraLATA) or international; the time of day and day of week of thecall; the duration of the telephone call; and the billing increment—thefirst minute or additional minutes; in accordance with the actual rateplan of the carrier. Optional calling plans are also implemented insoftware that calculates, for instance, the toll rate based on the timeof day, day of week and the total monthly call volume in accordance withthe actual optional calling plan of the carrier.

[0027] Bill generator 128, in communication with the processor 126receives the billing record for at least one of the plurality ofsubscribers and formats and prints the billing statement. There arenumerous companies that specialize in providing this service totelecommunication service providers. These companies typically usemainframe computers coupled to high-speed printers to perform thisfunction. One such company is International Billing Services of EldoradoHills, Calif.

[0028]FIG. 3 presents a block diagram representation of the operation ofa processor in accordance with one embodiment of the present invention.In particular, the operation of processor 126 is represented. Processor126 processes the transaction data by a plurality of rate plans 132,each rate plan 132 generating a toll amount corresponding to at leastone telephone call. Processor 126 then uses comparator 134 to comparesthe toll amounts from each of the plurality of rate plans 132 todetermine a lowest toll amount. Processor 126 uses summing block 136 todeduct an amount x from the lowest toll amount to form a final tollamount that can be used to generate the billing record for at least oneof a plurality of subscribers based on the final toll amount.

[0029]FIG. 4 presents a flowchart representation of a method inaccordance with a further embodiment of the present invention. Inparticular, this embodiment presents a method, used in a network forproviding telecommunication service to a plurality of networksubscribers, for detecting a change in a telecommunication service rateplan. This method can be used in conjunction with the method presentedin association with FIG. 1 and FIG. 2 to detect rate plan changes fromother interexchange carriers in order to update a rate database, forinstance a rate plan database used for generating a billing record.

[0030] In step 140, a call schedule is received. The call scheduleincludes a plurality of sample calls to be made by an automated callingstation. In a preferred embodiment of the present invention, the callschedule includes a call destination, a call time and a call durationfor each of the plurality of sample calls. The call schedule furtheridentifies one of a plurality of carriers and potentially an optionalcalling plan for each of the plurality of sample calls. In thispreferred embodiment, the call schedule is derived to place calls thattest various parameters of a carrier's rate plan by placing calls atdifferent times of day, of different durations, and to differentdestinations.

[0031] In step 142, the plurality of sample calls are automaticallyplaced on the network using the automated calling station. In apreferred embodiment, the automated calling station includes a pluralityof telephone lines, each telephone line having an assigned carrier andwherein the step of receiving a call schedule includes receiving aplurality of call schedules, each of the plurality of call schedulescorresponding to one of the plurality of telephone lines. In analternative embodiment of the present invention a single call scheduleincludes sample calls that designate a particular carrier andpotentially an optional calling plan. Each sample call is associated toone of the plurality of telephone lines by matching the one of theplurality of carriers for the sample call to the assigned carrier, andpotentially an optional calling plan, for the one of the plurality oftelephone lines. In a further alternative, a single call scheduleincludes sample calls that designate a particular telephone linedirectly.

[0032] In addition, in a preferred embodiment, each of the plurality ofsample calls is reattempted up to y times if not completed. In a furtherembodiment, an error record is generated for reporting to a systemadministrator if at least one of the plurality of sample calls cannot becompleted after y re-attempts. The generated error record includes thecall schedule information corresponding to the call that could not becompleted.

[0033] If at least one of the plurality of sample calls is completed themethod proceeds to step 144 and at least one final billing recordcorresponding to at least one completed sample call is received. Thefinal billing record includes call data for at least one completedsample call. In a preferred embodiment, the call data includes billedcost data that corresponds to the billed cost of the call, the calldestination, the call time and the call duration, the carrier, a callmileage, an originating LATA and a terminating LATA for each of thecompleted sample calls.

[0034] In step 148 the billed cost data is compared to previous costdata that corresponds to the prior billed cost for a corresponding call.In step 150 a change in the rate plan is detected based on thecomparison of the billed cost data to the previous cost data. In apreferred embodiment, step 150 includes comparing a previous costelement from the previous cost data to a corresponding billed costelement and detecting a change in the at least one rate plan if there isa difference between the previous cost element and the billed costelement. In other words, if the bill reflects that a particular call hasa different cost from a call from a previous billing cycle, such as themost recent billing cycle, having the same carrier, optional callingplan, duration, mileage band, time of day and day of week—this meansthat a change in the corresponding rate plan has been detected.

[0035] In a preferred embodiment of the present invention, call data isgenerated, via the call schedule, for seven calls for each carrier,optional calling plan, time of day, and mileage band. In one embodiment,these calls are chosen to be 1, 2, 3, 4, 5, 6 & 7 minutes in length. Thechoice of 1, 2, 3, 4, 5, 6 & 7 minutes for the sample calls is notunique. Other sample call lengths can be used in conjunction with thepresent invention. In a second embodiment, the choice of 20, 36, 48, 60,72, 84 & 96 seconds is used.

[0036] In an alternative embodiment of the present invention, the calldata for each of the completed calls is used to generate a meanestimated first-minute and additional-minute rate for each carrier, timeof day, day of week, mileage band and optional calling plan. Astatistical analysis is performed to generate a statistical metric thatindicates the degree of difference between previous rate data (generatedeither from a previous bill or from publicly available information) andthe estimated rate data. Hypothesis testing is used to accept or rejectthe null hypothesis that the previous toll rate is correct. In thistechnique, the estimated toll rate is compared to a threshold, derivedfrom a predetermined level of statistical confidence (e.g. 95%confidence or 99% confidence) in order to determine whether or not thenull hypothesis can be rejected. A change in the rate plan is detectedif the estimated toll rate is greater than the threshold.

[0037]FIG. 5 presents a flowchart representation of a method used inaccordance with an additional embodiment of the present invention. Inparticular, the method of FIG. 5 includes steps 142-148 presented inassociation with FIG. 4 and further includes steps 160-166 that describea method for generating a final billing record.

[0038] In step 160 a printed billing record is received corresponding tothe completed sample call. In a preferred embodiment, the printedbilling record, in the form of a billing statement, is received directlyfrom the carrier. In step 162, the printed billing record is opticallyscanned to obtain a plurality of electronic image data. In step 164, apreliminary billing record is generated in electronic form by performingcharacter recognition on the electronic image data. In step 166, thepreliminary billing record is processed to form the final billing recordby appending to the preliminary billing record the carrier, the callmileage, the originating LATA and the terminating LATA for the completedsample calls.

[0039]FIG. 6 presents a flowchart of a method used in accordance withone embodiment of the present invention. In this embodiment, after achange in a rate plan has been detected for a particular carrier inaccordance with the methods of FIGS. 4 and 5, a new toll rate isestimated. In step 190, the call data from that carrier and optionalcalling plan is used to determine estimated rate data. This estimatedrate data represents an estimate of the new toll rate that is in use bythat carrier to generate the bill for the completed sample calls.

[0040] In a preferred embodiment, call data for a particular carrier,time of day, day of week, optional calling plan and mileage band isprocessed using a logic algorithm that uses interval analysis tocalculate estimated rate data that comprises estimated rate elements forthe particular carrier, time of day, day of week, optional calling planand mileage band. These estimated rate elements are determined bygenerating an upper and lower bound for the toll rate for the firstminute of a call and for each additional minute. Either the upper orlower bounds for each rate element can be used as estimates of the newrate element. For example, for a particular carrier, time of day, day ofweek, optional calling plan, and mileage band, the new first minute rateelement can be assigned to be the corresponding estimated upper boundand the new additional minute rate element can be assigned to be thecorresponding estimated lower bound.

[0041] In a preferred embodiment of the present invention, the amountbilled for the 1-minute call is used to generate an upper and lowerbound on the first minute rate—based on the fact that the bill isrounded to or truncated to the nearest cent and also based on thepossibility that the actual first minute rate can be a non-integernumber of cents. The 2 minute call data is then processed to generate anupper and lower bound for the additional minute rate—based on theestimated first minute upper and lower bounds. The 3-minute call data isthen processed to refine (narrow) the bounds on the additional minuterate which can then be used to refine bounds on the first minute rate.

[0042] The process proceeds to consider all of the data from the sevensample calls and to iteratively narrow the upper and lower bounds on thefirst and additional minute rates until the magnitude of the percentagechange between iterations of the interval between the upper and lowerbound, for either the initial or additional minute rate intervals, fallsbelow a threshold of 0.00001% or until the completion of a predeterminednumber of maximum iterations. At this point the final upper and lowerbounds are accepted and used, as discussed above, as new estimatedrates. For this iterative technique to operate, at least two samplecalls must be completed for the particular carrier, time of day, day ofweek, optional calling plan, and mileage band. In practice, thepredetermined number of maximum iterations can be chosen to be greaterthan the actual number of iterations required for convergence with the0.00001% threshold for a large set of sample data.

[0043]FIG. 7 presents a block diagram representation of a system inaccordance with the present invention. In particular, FIG. 6 presents asystem for implementing each of the methods and features described inconjunction with FIGS. 4, 5 and 6 described above.

[0044] Network 184, in a preferred embodiment of the present invention,is a public switched telephone network (PSTN) that providestelecommunication service to a plurality of network subscribers. Callschedule interface unit 180 receives a call schedule, the call scheduleincluding a plurality of sample calls to be made by an automated callingstation.

[0045] Automated calling station 182 is coupled to the call scheduleinterface unit 180. The automated calling station 182 places theplurality of sample calls automatically on the network 184. In apreferred embodiment of the present invention the automated callingstation 182 is coupled to a plurality of telephone lines 190, eachtelephone line having an assigned carrier and potentially an optionalcalling plan and wherein the step of receiving a call schedule includesreceiving a plurality of call schedules, each of the plurality of callschedules corresponding to one of the plurality of telephone lines. Inan alternative embodiment of the present invention a single callschedule includes sample calls that designate either a particularcarrier and optional calling plan. Each sample call placed by theautomated calling station is switched to one of the plurality oftelephone lines by matching the one of the plurality of carriers for thesample call to the assigned carrier and optional calling plan for theone of the plurality of telephone lines. In a further alternative, asingle call schedule includes sample calls that designate a particulartelephone line directly.

[0046] In a preferred embodiment of the present invention the automatedcalling station is implemented using a IBM Model P02 computer equippedwith a Dialogic D/160 SC-LS voice processing and analog interface board.The specific functionality of this computer system is controlled usingIBM Callpath Directalk/2 voice processing software. The Directalk/2software uses a node manager that sends programming commands, throughDialogic telephony hardware, to sixteen telephone lines that areconnected to the board.

[0047] In a preferred embodiment of the present invention, the samplecalls are placed on each individual line Q as follows. A call scheduleis loaded onto line (call records are broken into time of day, day ofweek sections within call schedule). The system checks the current timeand date and indexes to the next call record to be placed for line Q.The system, through Dialogic circuit board functionality, tells line Qto go off-hook. The system, again using functionality of D/160SC-LSboard, checks for a dial tone on line Q.

[0048] If there is no dial tone, the system converts to slow down modeand attempts next call sequence after a specific time delay. If after y‘no dial tone’ conditions occur, the system will set an error flag tolet the system know that possible line trouble exists. If a dial tone isdetected, then the system places an outbound call (either direct dial,calling card, or toll free) again using D/160SC-LS board. The system,through dedicated detection device (1 per line), checks for call status.The call status is either: (1) successfully answered and held forcorrect duration; (2) successfully answered but held short of correctduration (3) busy signal on line; or (4) A-ring no answer. The systemthen records the call event in a Call Completion file (part of anon-board database).

[0049] For successful call attempts, the unique call record is notattempted again until the next bill cycle. For all other call statusresults the application will re-try the call record up to y attempts toachieve a successful attempt. If after y attempts the call has still notcompleted successfully, the final call attempt is recorded in the ErrorLog file and will not be reattempted until the next bill cycle. Afterall calls for the calling schedule loaded for line Q have either beensuccessfully completed or logged in the error log file (within aparticular billing cycle), the system remains idle until the bill cyclefor line Q increments to next cycle.

[0050] Processor 188 receives at least one final billing recordcorresponding to at least one completed sample call, the final billingrecord including call data and previous cost data for the completedsample calls. Processor 188 compares the billed cost data to theprevious cost data. A change in the rate plan is detected based on thecomparison of the billed cost data to the previous cost data. In apreferred embodiment, processor 188 performs the techniques discussed inassociation with steps 146 and 148 of FIG. 4 and step 190 of FIG. 6.

[0051] A preferred embodiment of the present invention includes a billscanner 186 for receiving a printed billing record corresponding to thecompleted sample calls. Billing scanner 186 includes an optical scannerequipped with optical character recognition software for opticallyscanning the printed billing record to obtain a plurality of electronicimage data, and for generating a preliminary billing record inelectronic form by performing character recognition on the electronicimage data. In this embodiment the processor 188 receives thepreliminary billing record from the bill scanner 186 and processing thepreliminary billing record to form the final billing record by appendingthe carrier, the call mileage, the originating LATA and the terminatingLATA for the completed sample calls.

[0052] While the term day of week has been used throughout descriptionabove, it should be recognized that telecommunication billing systemstraditionally segregate days of the week only by the categories:holidays, Saturdays, Sundays, and other days of the week. However, moresophisticated segregation is possible as will be recognized by one ofordinary skill of the art.

[0053] While various embodiments of the present invention have beendescribed in conjunction with a public switched telephone network, theseembodiments could similarly apply to communications of messages overother telecommunication networks. In particular, other billing and rateplan monitoring systems, within the scope of the present invention, canbe implemented in conjunction within other such telecommunicationsnetworks.

[0054] The various methods described herein, in a preferred embodiment,are intended for operation as software programs running on a computerprocessor. One of ordinary skill in the art will recognize that otherhardware implementations such as application specific integratedcircuits, programmable logic arrays and other hardware devices couldlikewise be constructed to implement the methods described herein. Itshould also be noted that the software implementations of the presentinvention could be stored on a tangible storage medium such as amagnetic or optical disk, read-only memory or random access memory andbe produced as an article of manufacture.

[0055] Thus, there has been described herein a concept, as well asseveral embodiments including a preferred embodiment, of a method andsystem for generating a billing record and for detecting a change in atelecommunication service rate plan. The various embodiments of thepresent invention herein-described have features that distinguish thepresent invention from the prior art.

[0056] It will be apparent to those skilled in the art that thedisclosed invention may be modified in numerous ways and may assume manyembodiments other than the preferred forms specifically set out anddescribed above. Accordingly, it is intended by the appended claims tocover all modifications of the invention which fall the true spirit andscope of the invention.

What is claimed is:
 1. In a network for providing telecommunicationservice to a plurality of network subscribers, a method of generating abilling record for at least one of the plurality of subscribers, themethod comprising the steps of: receiving a transaction record, thetransaction record including transaction data corresponding to at leastone telephone call placed by the at least one subscriber; processing thetransaction data by a plurality of rate plans, each rate plan generatinga toll amount corresponding to the at least one telephone call;comparing the toll amounts from each of the plurality of rate plans todetermine a lowest toll amount; deducting an amount x from the lowesttoll amount to form a final toll amount; and generating the billingrecord for the at least one of a plurality of subscribers based on thefinal toll amount.
 2. The method of claim 1 wherein x is a constant. 3.The method of claim 1 wherein the step of deducting an amount x furthercomprises calculating a value for x as a percentage of the lowest tollamount.
 4. The method of claim 1 wherein the transaction record includesa plurality of transaction data corresponding to a plurality oftelephone calls placed by the subscriber during a time period.
 5. Themethod of claim 4 wherein the plurality of telephone calls are from thegroup comprising: intra-LATA toll calls, inter-LATA toll calls andinternational toll calls.
 6. The method of claim 1 wherein thetransaction data includes the time of day, date, duration anddestination of the at least one telephone call.
 7. The method of claim 1wherein each of the plurality of rate plans correspond to a service ratefor one of a plurality of interexchange carriers.
 8. The method of claim7 wherein at least one of the plurality of rate plans correspond to aoptional calling plan corresponding to one of the plurality ofinterexchange carriers.
 9. In a network for providing telecommunicationservice to a plurality of network subscribers, a system for generating abilling record for at least one of the plurality of subscribers, thesystem comprising: an interface unit, coupled to the network, forreceiving a transaction record, the transaction record includingtransaction data corresponding to at least one telephone call placed bythe at least one subscriber; and a processor, in communication with theinterface unit, for processing the transaction data by a plurality ofrate plans, each rate plan generating a toll amount corresponding to theat least one telephone call, for comparing the toll amounts from each ofthe plurality of rate plans to determine a lowest toll amount, fordeducting an amount x from the lowest toll amount to form a final tollamount, and for generating the billing record for the at least one of aplurality of subscribers based on the final toll amount.
 10. The systemof claim 9 wherein x is a constant.
 11. The system of claim 9 whereinthe processor calculates a value for x as a percentage of the lowesttoll amount.
 12. The system of claim 9 wherein the transaction recordincludes a plurality of transaction data corresponding to a plurality oftelephone calls placed by the subscriber during a time period.
 13. Thesystem of claim 12 wherein the plurality of telephone calls are from thegroup comprising: intra-LATA toll calls, inter-LATA toll calls andinternational toll calls.
 14. The system of claim 9 wherein thetransaction data includes the time of day, date, duration anddestination of the at least one telephone call.
 15. The system of claim9 wherein each of the plurality of rate plans correspond to a servicerate for one of a plurality of interexchange carriers.
 16. The system ofclaim 15 wherein at least one of the plurality of rate plans correspondto a optional calling plan corresponding to one of the plurality ofinterexchange carriers.
 17. The system of claim 9 further comprising: abill generator for receiving the billing record for the at least one ofthe plurality of subscribers and for formatting and printing a billingstatement.
 18. In a network for providing telecommunication service to aplurality of network subscribers, a method of generating a billingrecord for at least one of the plurality of subscribers, the methodcomprising the steps of: receiving a transaction record, the transactionrecord including transaction data corresponding to a plurality oftelephone calls placed by the subscriber during a time period, whereinthe plurality of telephone calls are from the group comprising:intra-LATA toll calls, inter-LATA toll calls and international tollcalls, and wherein the transaction data includes the time of day, date,duration and destination of the at least one telephone call; processingthe transaction data by a plurality of rate plans, each rate plangenerating a toll amount corresponding to the at least one telephonecall, wherein each of the plurality of rate plans correspond to aservice rate for one of a plurality of interexchange carriers, andwherein at least one of the plurality of rate plans correspond to aoptional calling plan corresponding to one of the plurality ofinterexchange carriers; comparing the toll amounts from each of theplurality of rate plans to determine a lowest toll amount; calculating avalue x as a percentage of the lowest toll amount; deducting an amount xfrom the lowest toll amount to form a final toll amount; and generatingthe billing record for the at least one of a plurality of subscribersbased on the final toll amount.